ING Living Super Review

Part of the ING Group. Living Super is a retail super fund aimed predominantly at existing banking customers.

Please Note: Any advice on this page is general in nature and does not take into account your objectives, financial situation or needs. Consider whether this is right for you. See full disclaimer.
Past performance is not a reliable indicator of future performance.

ING Living Super Performance

ING Living Super’s ING Living Super – Balanced Option investment option outperformed the median over 1 year, under performed over 3 years and under performed over 5 years. Check out our more in depth analysis of ING Living Super Performance

ING Living Super Fees

ING Living Super’s fees for their ING Living Super – Balanced Option investment option above the median compared to other funds’ MySuper/Balanced options listed on Review My Super.

Returns to December 31 2025

Investment Option	1 Year	3 Year	5 Year
Living Super - Australian Shares Option	10.2%	11%	9.57%
Median	10.4%	12.1%	9.1%
Living Super - Australian Shares Option VS Median	-0.2%	-1.1%	0.47%

Fees

Investment Option	Flat Fee	Percentage Based Fee	Fee Based on 50k
Living Super - Australian Shares Option	60	0.88%	$500

Asset Allocation

Rank		Asset	%
1		Australian Shares	100%

Returns to December 31 2025

Investment Option	1 Year	3 Year	5 Year
Living Super - Moderate Option	7.5%	8.31%	5.34%
Median	7.8%	8.3%	6.1%
Living Super - Moderate Option VS Median	-0.3%	0.01%	-0.76%

Fees

Investment Option	Flat Fee	Percentage Based Fee	Fee Based on 50k
Living Super - Moderate Option	60	0.87%	$495

Asset Allocation

Rank	Asset	%
1	Australian Shares	19%
2	International Shares	18%
3	Fixed Interest	46%
4	Property	13%
5	Cash	4%

Returns to December 31 2025

Investment Option	1 Year	3 Year	5 Year
Living Super - International Shares Option	11.44%	19.98%	14.29%
Median	10.4%	12.1%	9.1%
Living Super - International Shares Option VS Median	1.04%	7.88%	5.19%

Fees

Investment Option	Flat Fee	Percentage Based Fee	Fee Based on 50k
Living Super - International Shares Option	60	0.81%	$465

Asset Allocation

Rank		Asset	%
1		International Shares	100%

Returns to December 31 2025

Investment Option	1 Year	3 Year	5 Year
Living Super - High Growth Option	10.19%	12.72%	9.37%
Median	10.4%	12.1%	9.1%
Living Super - High Growth Option VS Median	-0.21%	0.62%	0.27%

Fees

Investment Option	Flat Fee	Percentage Based Fee	Fee Based on 50k
Living Super - High Growth Option	60	0.91%	$515

Asset Allocation

Rank	Asset	%
1	Australian Shares	42%
2	International Shares	32%
3	Fixed Interest	5%
4	Property	21%

Returns to December 31 2025

Investment Option	1 Year	3 Year	5 Year
Living Super - Conservative Option	5.86%	6.12%	3.37%
Median	6.2%	6.5%	4.3%
Living Super - Conservative Option VS Median	-0.34%	-0.38%	-0.93%

Fees

Investment Option	Flat Fee	Percentage Based Fee	Fee Based on 50k
Living Super - Conservative Option	60	0.83%	$475

Asset Allocation

Rank	Asset	%
1	Australian Shares	10%
2	International Shares	10%
3	Fixed Interest	56%
4	Property	10%
5	Cash	14%

Returns to December 31 2025

Investment Option	1 Year	3 Year	5 Year
Living Super - Cash Option	3.54%	3.55%	2.32%
Median	-	-	-
Living Super - Cash Option VS Median	3.54%	3.55%	2.32%

Fees

Investment Option	Flat Fee	Percentage Based Fee	Fee Based on 50k
Living Super - Cash Option	60	0.49%	$305

Asset Allocation

Rank		Asset	%
1		Cash	100%

Returns to December 31 2025

Investment Option	1 Year	3 Year	5 Year
Living Super - Diversified Shares	10.96%	-	-
Median	10.4%	-	-
Living Super - Diversified Shares VS Median	0.56%	-	-

Fees

Investment Option	Flat Fee	Percentage Based Fee	Fee Based on 50k
Living Super - Diversified Shares	60	0.83%	$475

Asset Allocation

Rank	Asset	%
1	Australian Shares	48%
2	International Shares	50%
3	Cash	2%

Returns to December 31 2025

Investment Option	1 Year	3 Year	5 Year
Living Super - Australian Listed Property Option	8.08%	12.71%	7.47%
Median	10.4%	12.1%	9.1%
Living Super - Australian Listed Property Option VS Median	-2.32%	0.61%	-1.63%

Fees

Investment Option	Flat Fee	Percentage Based Fee	Fee Based on 50k
Living Super - Australian Listed Property Option	60	0.95%	$535

Asset Allocation

Rank		Asset	%
1		Property	100%

Returns to December 31 2025

Investment Option	1 Year	3 Year	5 Year
Living Super - Growth Option	8.75%	10.57%	7.1%
Median	9.3%	10.3%	7.7%
Living Super - Growth Option VS Median	-0.55%	0.27%	-0.6%

Fees

Investment Option	Flat Fee	Percentage Based Fee	Fee Based on 50k
Living Super - Growth Option	60	0.88%	$500

Asset Allocation

Rank	Asset	%
1	Australian Shares	30%
2	International Shares	30%
3	Fixed Interest	22%
4	Property	15%
5	Cash	3%

ING Living Super Insurance

ING Living Super offers death and TPD insurance cover to their members.

Whilst most members are offered default Death and Total and permanent Disablement Cover, they can also apply for Income Protection Cover.

Additional cover is available with the following limits:
Death – No maximum
TPD – $5 million.
Income protection – up to $30,000 per month.
Insurance is provided by MetLife
Insurance Limited.

Fund details

ABN: 43 905 581 638
USI: 43 905 581 638 019

Address: Reply Paid 4307, Sydney NSW 2001

Read their PDS and TMD for further details.

FAQ's

Is ING Living Super a Good Super Fund?

ING Living Super’s ING Living Super – Balanced Option option has Under performed the median over 5 years.
Fees for this option are slightly above the median out of Balanced/MySuper funds listed on Review My Super.
Based on this evidence, it would be hard to say ING Living Super has been a good super fund. However, there are many factors which determine whether a super fund is good or bad and it can differ depending on personal requirements. We recommend you Get Superannuation Advice from a qualified adviser in order to work out which is the best super fund for you.

Is ING Living Super an APRA Fund?

Yes, it is an APRA fund.

Is ING Living Super an Industry Fund?

No, it is a retail fund.

ING Living Super Reviews

3.3 out of 5 stars from 3 customer reviews on Australia’s best superannuation review site Review My Super.
See more Super Fund Reviews to compare ratings and reviews across funds.